What are the ways for banks to collect non-performing loans?

1. What are the specific ways for banks to collect non-performing loans?

It has been said that the causes of non-performing loans are both subjective and objective. In addition to these two factors, internal and external factors are also a major factor that puzzles financial workers. Then, what are the specific ways for banks to collect non-performing loans? Next, let's take a look.

One: Emotional Investment Law When there are customers with non-performing loans, don't be too tough and blame yourself, so as not to intensify contradictions and step by step. First of all, we should be compassionate and listen to each other's difficulties and frustrations. Secondly, put yourself in the other's shoes, find problems and solve them. Finally, use emotion to understand, use reason to move, and achieve the purpose of your work. Two: Pre-emptive strike The so-called pre-emptive attack method is also called "pre-emptive strike", so you can find the starting point to sort out your work ideas first. After repeated work, you must issue a collection notice and go through relevant legal procedures wherever you go, so as to achieve the purpose of controlling loans, improving quality and recovering non-performing loans. Third, help debt collection law Generally speaking, if users are faced with the phenomenon that the amount is getting bigger and bigger and it is difficult to recover, they should accurately do half a paragraph, according to the number of transactions, the time of default, the amount and the basic situation of the other party. Look at the essence through the phenomenon, and personally participate in cleaning up accounts receivable according to the basic idea that it is easy before it is difficult to adjust the other party. If the user pays off the loan, he must continue to pay it back and cannot let it go. Fourth, the analysis and in-depth study of capital start-up mode is the fundamental problem of finding non-performing loans. Find the source, prescribe the right medicine, and get twice the result with half the effort. If the other party has a good character, can bear hardships, and has certain management and operation ability, which affects the loan, not only can it not be desperately urged, but it also needs to apply for a fund start-up method to help users provide some new loan support. Waiting for the opportunity to recover non-performing loans, this kind of capital start-up method needs to vary from person to person.

2. What are the methods for banks to collect non-performing loans?

Method 1 of non-performing loan collection: take the initiative to collect.

Proactive attack method refers to the method of solving the situation and collecting loans with responsible credit. Loan officers should often go deep into their clients and study practical problems. Focus on customer groups, focus on work, this, first small amount, then large amount, first short-distance and then long-distance, first focus and then general work ideas, find a breakthrough point. Strengthen confidence, carry out work repeatedly, and issue legal procedures wherever you go, so as to achieve the purpose of controlling loans.

Non-performing loan collection method 2: emotional investment method

Don't use tough language to accuse or reprimand, intensify contradictions and threaten "according to law." First of all, we should listen to each other's difficulties and frustrations with compassion. From the perspective of the borrower, find the root cause and find the way out. Incorporate in order to gain their sympathy, be accepted by the other party, integrate feelings in work exchanges, establish friends to accept their own work views, and explain the adverse effects of non-performing loans in detail. These influences will be like being damaged, the road to making friends will become narrower and narrower, and business difficulties will become more and more. If you can apply for another loan, you will not only abide by the contract, but also keep your promise, so your credit will be improved. The improvement of credit is your intangible asset. Through the analysis of favorable and unfavorable factors, we can have sympathy and understanding to achieve the purpose of our work.

Non-performing loan collection method 3: participation

The work of loan managers and customers is friendly and intimate. We should help customers objectively analyze the problems in operation according to their operating conditions. Find out the main reason of the problem, make the customer accept it gladly, and then participate in the accounting. Through the further study of real accounting accounts, this paper puts forward specific measures to increase revenue and reduce expenditure, improve customers' profitability and reduce their operating costs. And close the situation, strive to achieve results and promote the recovery of non-performing loans.

Collect non-performing loans

The phenomenon that most customers deposit and withdraw when doing business, and the amount is getting bigger and bigger, so as to truly understand the quantity, amount, default time and the basic situation of the other party. In-depth analysis, careful study, according to the basic idea that accounts receivable are easy to be difficult, and then difficult, the result of pro-collection should be to return non-performing loans first, and then continue to help customers, and not to let go.

Non-performing loan collection method 5: capital start-up method

Non-performing loans should be thoroughly and carefully investigated in order to prescribe the right medicine. When it has a certain management ability, the rapid spread of pests and diseases and plagues has caused serious losses to the aquaculture industry only because of self-destruction, fire, earthquake and other reasons. When the above and other unconventional factors affect the repayment of the loan principal and interest on schedule, not only can we not urge the loan, but we should also immediately adopt the fund start-up method to provide a certain amount of new loan support to the severely affected households. Get help in the world. Resume production as soon as possible and enter the normal operation track, so as to obtain better profits. When the time is ripe, the loan scale will be controlled at an appropriate amount.

With the help of relational method

People who have a detailed influence on the borrower's spouse, children, relatives and friends. Contact, talk and communicate with them, achieve a certain degree of integration, talk about their intentions in time, let them know, and then talk to the borrower separately about the repayment problem and the pros and cons analysis, and persuade them to repay the loan. You can also discuss the loan problem with the borrower and find the best repayment method. Compare the objective reality of the borrower and study his weak links in depth. If the borrower has a good face, try to hide himself, for fear that the debt will be exposed and the image will be affected. In the case of ineffective work for many times, we should consider mobilizing relatives, friends, classmates, colleagues, village cadres and superior leaders to participate in their work together, each holding its own words, launching an offensive and urging the loan to be returned. In the contradiction between refusing to repay the loan and about to follow the law, we should not rush to adopt the method according to law, but should expand new ideas and find new methods. Village cadres, township government cadres, political and legal cadres and police officers are all factors to be considered. Use these factors as a third party, appear in the middle position, help analyze the pros and cons, narrow the distance between the two sides, resolve conflicts, conduct effective mediation, and let borrowers repay before legal proceedings.

Non-performing loan collection method 7: group attack method

A loan officer's ability and wisdom are limited, but he should do his duty. In the face of difficulties, we should consider the participation of many loan officers, conduct in-depth research and detailed analysis, find a breakthrough, choose the best time, and do it in one go without interruption until we achieve results.

Method 8 for collection of non-performing loans: combine rigidity with softness

In the face of borrowers with different temperament, we should adopt different methods. Some eat soft and don't eat hard, and some eat hard and don't eat soft, which needs to be explored in practice. Avoid the strong and be weak, and adopt the method of combining rigidity with softness, or soften before rigidity or soften before rigidity. In-depth discussion of emotion, reason and law will make the borrower change his mind and be willing to work further after repaying the loan.

Non-performing loan collection method 9: leadership method

It is impossible and incorrect for leaders to do all the specific work. There is a division of labor and different responsibilities. However, in actual work, there are indeed many difficulties in the work. When it is difficult to advance, the leaders will really solve them as soon as they come forward. Develop new working methods from practice and then guide them in practice. The same is true for the collection of non-performing loans.

Method 10 for collection of non-performing loans: information capture method

Information is an important factor that can not be ignored in all walks of life, and it is also true for borrowers. Especially the borrower's economic information, product sales information, accounts receivable information, asset disposal information, etc. We must attach great importance to this information, pay close attention to it, find favorable factors and take immediate measures. In particular, bank accounts with multiple accounts should be checked, and once funds are found to have entered the accounts, work should be started immediately or the accounts should be frozen according to law. Create necessary conditions for recovering non-performing loans.

Collection method of non-performing loans 1 1: personnel exchange method

Always a face, a routine, it is inevitable that the work is slightly ordinary. As you and I both know, there are even other problems in mutual adaptation, which leads to the failure of individual borrowers to repay the principal and interest of loans on time, which affects the quality of loans and increases non-performing loans. If so, it is necessary to consider personnel communication, or choose effective personnel to solve or help a problem. Reduce the occupation of non-performing loans and improve the quality of loans.

Collection method of non-performing loans 12: transfer method

The business project has been started, and the equipment has been installed and debugged or put into production. However, due to some unforeseeable factors, the production cannot continue or the more products are produced, the more losses are incurred, or the main operators are sick, accidental or suspected of committing crimes, which makes the business project unable to continue. After comprehensive analysis and confirmation of various influencing factors, decisive measures should be taken immediately, and the scheme to minimize losses should be selected in time. First of all, we should consider the overall transfer of the project, find the same industry with strong management ability and rich practical experience to discuss the comprehensive acceptance, including the receipt of non-performing loans, and strive to achieve good recovery results.

Method 13 for collection of non-performing loans: principal first, then interest.

The borrower's quality is good, but his ability is slightly poor, and he can also cooperate with the work of credit cooperatives. As his interest became more and more tired, he got into trouble and got deeper and deeper. After investigation, it should be to collect the principal first and then the interest. Sign an agreement, tear it down and return it. Receiving the principal first so that it no longer generates interest, thus reducing the burden on the borrower. This is an encouragement to the borrower's willingness to repay and a help to his repayment ability. Given some time and methods, it is possible to pay off non-performing loans.

Methods of cleaning up non-performing loans 14: blacklist publicity method

People have dignity, the unit has image, and so do borrowers. We should respect their dignity and image. At the same time, it must be emphasized that dignity and image must be based on honesty, and losing honesty will inevitably lose dignity and image. If the borrower fails to repay the principal and interest on schedule and all efforts fail, the blacklist publicity method shall be adopted. It can be regularly publicized in newspapers, radio stations and TV stations. , exert social influence and urge them to repay the loan. Cancel the publicity when the loan principal and interest are paid off.

Method 15 for collection of non-performing loans: mortgage of creditor's rights

The longer the operation time, the greater the amount of creditor's rights and the more difficult it is to recover, which is also the influencing factor of the formation of non-performing loans. Lenders should carefully study this factor and consider the problem of offsetting non-performing loans with creditor's rights after accurately evaluating the repayment ability of the other debtor. If feasible, they should reach an agreement with the borrower and the borrower's debtor in writing to ensure the legality and operability of the work. However, before the loan is paid off, the borrower cannot be exempted from the repayment obligation.

Method 16 for collection of non-performing loans: the method of paying debts in kind.

The borrower's operating conditions have deteriorated and it is impossible to repay the loan with monetary funds. After in-depth investigation and confirmation, we must take decisive measures and not delay time. Once delayed, you may miss the effective opportunity. Should immediately negotiate with the borrower to pay the loan principal and interest with goods. First of all, we should consider the ownership, lease or use right of large items, such as land, use right, houses and equipment, ownership or disposal right of bulk products, commodities and materials, ownership and disposal right of office equipment and automobiles, negotiate and evaluate the price, or the intermediary agency will evaluate the price to offset the loan principal and interest.

Collection method of non-performing loans 17: decomposition method

When parents borrowed money in their early years, they were unable to repay the loan because of their infirmity, or the borrower was injured and disabled unexpectedly, resulting in non-performing loans, and the loan amount was not very large. In this context, we should carefully study the problem of joint loans between their children and relatives. First, investigate their family economic situation, work, income and moral character, and then choose the best one to work after detailed analysis. Patience in work should be based on parents' hard work in raising children, sympathy for disabled relatives, love for children and kindness to relatives. Talk about each other's emotions and temptations repeatedly with feelings. After many efforts, I shared it equally or unevenly and reached an agreement. I am willing to share the loan and repay it on my behalf.

Method 18 for the collection of non-performing loans: the method of breaking up the whole into parts

Non-performing loans are often unable to repay the principal, and the more interest is owed, the more difficult it is. In this case, we should not only consider repaying the loan principal and interest in one lump sum, but also split it into several parts. Depending on the borrower's actual repayment ability, part of the loan principal and interest will be repaid regularly, and the interest will be paid off together with the principal. Sign a loan repayment agreement, step by step. It can not only maintain the basic life of the family, but also gradually repay the loan until the loan principal and interest are paid off.

Cleaning Method of Non-performing Loans 19: Guarantee Responsibility Investigation Method

The essential significance of providing guarantee for the borrower is that when the borrower fails to repay the loan within the prescribed time limit, the guarantor undertakes the obligation to repay the principal and interest of the loan to ensure the full performance of the loan contract and the safety of credit funds. But in practical work, it is a misunderstanding to attach importance to the borrower and despise the guarantor. Once the loan is bad, the borrower and the guarantor must be investigated together. When the borrower is insufficient to repay the loan, the investigation of the guarantor's guarantee responsibility cannot be ignored before the loan principal and interest are fully paid off.

Method for collection of non-performing loans 20: Collection according to law.

Being able to solve problems before the law is the best choice, which saves time and money without hurting feelings. However, in the following cases, we should focus on the method according to law: 1, and the time to protect creditor's rights according to law will soon exceed the limitation period; 2. It takes a long time to mortgage the ownership of land, use rights, houses, machinery and equipment and register in loans overdue; 3. The borrower is dead or missing; 4. Repeated consultations failed to reach an agreement; 5. When it is necessary to freeze, seal up or detain the debtor's assets and related articles; 6. Malicious evasion of debts. Compared with other methods, law should be the last one. When choosing this method, we should weigh the advantages and disadvantages, seize the opportunity, and ensure that the lawsuit will win and bear fruit.

3. What are the methods for banks to collect non-performing loans?

Method 1 of non-performing loan collection: take the initiative to collect.

Proactive attack method refers to the method that the responsible loan officer actively goes deep into the borrower's business premises to understand the situation and collect loans. Loan officers should often go deep into their clients and study practical problems. Classify and queue the customer groups, focus on the work in the category of "good, medium and poor", and find the breakthrough point in the working idea of "easy first, difficult later, poor first, rich first, small first, long first, short first, and general first". Strengthen confidence, carry out work repeatedly, and issue collection notices and go through relevant legal procedures wherever you go, so as to achieve the purpose of controlling loans, improving quality and recovering non-performing loans.

Non-performing loan collection method 2: emotional investment method

For customers with non-performing loans, don't blame or reprimand, don't use tough language, intensify contradictions and threaten "according to law". First of all, we should listen to each other's difficulties and frustrations with compassion. From the perspective of the borrower, put yourself in the other's shoes, analyze the problem, find the root cause and find the way out. Make your point of view integrate with customers, so as to gain their sympathy, be accepted by the other party, integrate feelings in work communication and establish friendship. On this basis, guide the other party to accept their own work viewpoint, that is, the viewpoint of cleaning up non-performing loans, and explain in detail the adverse effects of non-performing loans on themselves. These influences will destroy integrity and image, narrow the road of friends and make business more and more difficult. If you can repay the loan in time, you can not only show your strength, but also apply for another loan, which is not only to abide by the contract, but also to keep your promise, so your credit will be improved. The improvement of credit is your intangible asset. Through the analysis of favorable and unfavorable factors, we can have sympathy and understanding to achieve the purpose of our work.

Method 3 for collection of non-performing loans: participation in accounting method

The working relationship between loan managers and customers should be cooperative, friendly and intimate. We should often go deep into customers, master their business conditions, and help them objectively analyze the problems in business. Find out the main reason of the problem, make the customer accept it gladly, and then participate in the accounting. Through the further study of real accounting accounts, this paper puts forward specific measures to increase revenue and reduce expenditure, improve customers' profitability and reduce their operating costs. And care about the implementation of customer measures, strive to achieve results and promote the recovery of non-performing loans.

Non-performing loan collection method 4: help debt collection method

Most customers have the phenomenon that accounts receivable cannot be recovered on time and the amount is getting bigger and bigger. Faced with this reality, credit personnel should accurately grasp the quantity, amount, default time and the basic situation of the other party. In-depth analysis, serious research, sorting and queuing accounts receivable according to the difficulty level, and personally participating in cleaning up accounts receivable according to the basic idea of "easy first, then difficult". The result of collection should be to repay the non-performing loans first, or to use part of the loans for business, and then continue to provide help to customers, and can not let go.

Non-performing loan collection method 5: capital start-up method

It is necessary to conduct in-depth practical investigation and careful analysis of non-performing loans to find out the root of the problem so as to prescribe the right medicine. When it is determined that the borrower has a good character, is willing to endure hardships and has certain management ability, it is only for some reason, such as lightning, rainstorm, snowstorm, flood, fire, earthquake and other natural disasters that the production facilities are damaged and the pests and diseases spread rapidly, causing serious losses to the aquaculture industry. When the above and other unconventional factors affect the repayment of the loan principal and interest on schedule, not only can we not urge the loan, but we should also immediately adopt the fund start-up method to provide a certain amount of new loan support to the severely affected households. Encouraged in spirit and helped in business. Resume production and operation as soon as possible, get out of the predicament and enter the normal operation track, so as to obtain better profits. When the time is ripe, gradually recover the non-performing loans and control the loan scale at an appropriate amount.

Non-performing loan collection method 6: relationship method

The spouse, children, relatives and friends of the borrower should be investigated in detail, and influential figures should be selected. Contact, talk and communicate with them, achieve a certain degree of integration, talk about their intentions in a timely manner, let them understand, and then be willing to help. Influential people can talk to the borrower about repayment separately and analyze its advantages and disadvantages to persuade him to repay the loan. They can also discuss the loan problem with the borrower to find the best repayment method. Compare the objective reality of the borrower and study his weak links in depth. If the borrower has a good face, try to hide himself, for fear that the debt will be exposed and the image will be affected. In the case of ineffective work for many times, we should consider mobilizing relatives, friends, classmates, colleagues, village cadres and superior leaders to participate in their work together, each holding its own words, launching an offensive and urging the loan to be returned. In the contradiction between refusing to repay the loan and about to follow the law, we should not rush to adopt the method according to law, but should expand new ideas and find new methods. Village cadres, township government cadres, political and legal cadres and police officers are all factors to be considered. Use these factors as a third party, appear in the middle position, help analyze the pros and cons, narrow the distance between the two sides, resolve conflicts, conduct effective mediation, and let borrowers repay before legal proceedings.

Non-performing loan collection method 7: group attack method

A loan officer's ability and wisdom are limited, but he should do his duty. In the face of difficulties, we should consider the participation of many loan officers, conduct in-depth research and detailed analysis, find a breakthrough, choose the best time, and do it in one go without interruption until we achieve results.

Method 8 for collection of non-performing loans: combine rigidity with softness

In the face of borrowers with different temperament, we should adopt different methods. Some eat soft and don't eat hard, and some eat hard and don't eat soft, which needs to be explored in practice. Avoid the strong and be weak, and adopt the method of combining rigidity with softness, or soften before rigidity or soften before rigidity. In-depth discussion of emotion, reason and law will make the borrower change his mind and be willing to work further after repaying the loan.

Non-performing loan collection method 9: leadership method

It is impossible and incorrect for leaders to do all the specific work. There is a division of labor and different responsibilities. However, in actual work, there are indeed many difficulties in the work. When it is difficult to advance, the leaders will really solve them as soon as they come forward. Develop new working methods from practice and then guide them in practice. The same is true for the collection of non-performing loans.

Method 10 for collection of non-performing loans: information capture method

Information is an important factor that can not be ignored in all walks of life, and it is also true for borrowers. Especially the borrower's economic information, product sales information, accounts receivable information, asset disposal information, etc. We must attach great importance to this information, pay close attention to it, find favorable factors and take immediate measures. In particular, bank accounts with multiple accounts should be checked, and once funds are found to have entered the accounts, work should be started immediately or the accounts should be frozen according to law. Create necessary conditions for recovering non-performing loans.

Collection method of non-performing loans 1 1: personnel exchange method

Always a face, a routine, it is inevitable that the work is slightly ordinary. As you and I both know, there are even other problems in mutual adaptation, which leads to the failure of individual borrowers to repay the principal and interest of loans on time, which affects the quality of loans and increases non-performing loans. If so, it is necessary to consider personnel communication, or choose effective personnel to solve or help a problem. Reduce the occupation of non-performing loans and improve the quality of loans.

Collection method of non-performing loans 12: transfer method

The business project has been started, and the equipment has been installed and debugged or put into production. However, due to some unforeseeable factors, the production can not continue or the more products are produced, the greater the loss, or the main operators can not continue to operate the project due to illness, accidents or suspected crimes. After comprehensive analysis and confirmation of various influencing factors, decisive measures should be taken immediately, and the scheme to minimize losses should be selected in time. First of all, we should consider the overall transfer of the project, find the same industry with strong management ability and rich practical experience to discuss the comprehensive acceptance, including the receipt of non-performing loans, and strive to achieve good recovery results.

Method 13 for collection of non-performing loans: principal first, then interest.

The borrower's quality is good, but his ability is slightly poor, and he can also cooperate with the work of credit cooperatives. As his interest became more and more tired, he got into trouble and got deeper and deeper. After investigation, it should be to collect the principal first and then the interest. Sign an agreement, tear it down and return it. Receiving the principal first so that it no longer generates interest, thus reducing the burden on the borrower. This is an encouragement to the borrower's willingness to repay and a help to his repayment ability. Given some time and methods, it is possible to pay off non-performing loans.

Methods of cleaning up non-performing loans 14: blacklist publicity method

People have dignity, the unit has image, and so do borrowers. We should respect their dignity and image. At the same time, it must be emphasized that dignity and image must be based on honesty, and losing honesty will inevitably lose dignity and image. If the borrower fails to repay the principal and interest on schedule and all efforts fail, the blacklist publicity method shall be adopted. It can be regularly publicized in newspapers, radio stations and TV stations. , exert social influence and urge them to repay the loan. Cancel the publicity when the loan principal and interest are paid off.

Method 15 for collection of non-performing loans: mortgage of creditor's rights

The longer the operation time, the greater the amount of creditor's rights and the more difficult it is to recover, which is also the influencing factor of the formation of non-performing loans. Lenders should carefully study this factor and consider the problem of offsetting non-performing loans with creditor's rights after accurately evaluating the repayment ability of the other debtor. If feasible, they should reach an agreement with the borrower and the borrower's debtor in writing to ensure the legality and operability of the work. However, before the loan is paid off, the borrower cannot be exempted from the repayment obligation.

Method 16 for collection of non-performing loans: the method of paying debts in kind.

The borrower's operating conditions have deteriorated and it is impossible to repay the loan with monetary funds. After in-depth investigation and confirmation, we must take decisive measures and not delay time. Once delayed, you may miss the effective opportunity. Should immediately negotiate with the borrower to pay the loan principal and interest with goods. First of all, we should consider the ownership, lease or use right of large items, such as land, use right, houses and equipment, ownership or disposal right of bulk products, commodities and materials, ownership and disposal right of office equipment and automobiles, negotiate and evaluate the price, or the intermediary agency will evaluate the price to offset the loan principal and interest.

Collection method of non-performing loans 17: decomposition method

When parents borrowed money in their early years, they were unable to repay the loan because of their infirmity, or the borrower was injured and disabled unexpectedly, resulting in non-performing loans, and the loan amount was not very large. In this context, we should carefully study the problem of joint loans between their children and relatives. First, investigate their family economic situation, work, income and moral character, and then choose the best one to work after detailed analysis. Patience in work should be based on parents' hard work in raising children, sympathy for disabled relatives, love for children and kindness to relatives. Talk about each other's emotions and temptations repeatedly with feelings. After many efforts, I shared it equally or unevenly and reached an agreement. I am willing to share the loan and repay it on my behalf.

Method 18 for the collection of non-performing loans: the method of breaking up the whole into parts

Non-performing loans are often unable to repay the principal, and the more interest is owed, the more difficult it is. In this case, we should not only consider repaying the loan principal and interest in one lump sum, but also split it into several parts. Depending on the borrower's actual repayment ability, part of the loan principal and interest will be repaid regularly, and the interest will be paid off together with the principal. Sign a loan repayment agreement, step by step. It can not only maintain the basic life of the family, but also gradually repay the loan until the loan principal and interest are paid off.

Cleaning Method of Non-performing Loans 19: Guarantee Responsibility Investigation Method

The essential significance of providing guarantee for the borrower is that when the borrower fails to repay the loan within the prescribed time limit, the guarantor undertakes the obligation to repay the principal and interest of the loan to ensure the full performance of the loan contract and the safety of credit funds. But in practical work, it is a misunderstanding to attach importance to the borrower and despise the guarantor. Once the loan is bad, the borrower and the guarantor must be investigated together. When the borrower is insufficient to repay the loan, the investigation of the guarantor's guarantee responsibility cannot be ignored before the loan principal and interest are fully paid off.

Method for collection of non-performing loans 20: Collection according to law.

Being able to solve problems before the law is the best choice, which saves time and money without hurting feelings. However, in the following cases, we should focus on the method according to law: 1, and the time to protect creditor's rights according to law will soon exceed the limitation period; 2. It takes a long time to mortgage the ownership of land, use rights, houses, machinery and equipment and register in loans overdue; 3. The borrower is dead or missing; 4. Repeated consultations failed to reach an agreement; 5. When it is necessary to freeze, seal up or detain the debtor's assets and related articles; 6. Malicious evasion of debts. Compared with other methods, law should be the last one. When choosing this method, we should weigh the advantages and disadvantages, seize the opportunity, and ensure that the lawsuit will win and bear fruit.

4. What are the collection methods for non-performing assets?

Collection, replacement and transfer litigation